PDLO#JUDILQIR
ZZZJUDILQIR
7UDQVSRUWDQGVWRUDJH
7UDQVSRUW
2QO\ FRPSDQLHV KDYLQJ DSSURSULDWH PHDQV RI WUDQVSRUW DQG FRUUHVSRQGLQJO\ WUDLQHG SHUVRQQHO PD\
WUDQVSRUWWKHWDQNV'XULQJWUDQVSRUWWKHWDQNVKDYHWREHVHFXUHGDJDLQVWVKLIWLQJDQGIDOOLQJGRZQ,IWKH
WDQNVDUHVHFXUHGGXULQJWUDQVSRUWE\PHDQVRIORDGVWUDSVLWKDVWREHHQVXUHGWKDWWKHWDQNVUHPDLQ
XQGDPDJHG&ODPSLQJRUOLIWLQJWKHWDQNVXVLQJVWHHOURSHVRUFKDLQVLVLQDGPLVVLEOH
6WUDLQVFDXVHGE\LPSDFWVKDYHWREHDYRLGHGLQDQ\FDVH7KHWDQNVPXVWQRWEHUROOHGRUSXOOHGRYHU
WKHJURXQGLQDQ\FDVH
6WRUDJH
,IWKHWDQNVKDYHWREHVWRUHGLQWHUPHGLDWHO\WKH\KDYHWREHVWRUHGRQDSSURSULDWHOHYHOJURXQGZLWKRXW
VKDUS REMHFWV 'XULQJ VWRUDJH GDPDJHV GXH WR HQYLURQPHQWDO HIIHFWV RU H[WHUQDO HIIHFWV KDYH WR EH
DYRLGHG8QDXWKRULVHGSHUVRQVKDYHWREHNHSWDZD\IURPWKHWDQNV
,QVWDOODWLRQWDQN
7HVWLQVWDOODWLRQ
%HIRUH LQVWDOOLQJ WKH WDQN ILQDOO\ LW VKRXOG EH DVVHPEOHG WHQWDWLYHO\ LQ RUGHU WR GHWHUPLQH WKH IROORZLQJ
FRQQHFWLRQV
(PSW\FRQGXLWFRQQHFWLRQ
6XSSO\OLQH
2YHUIORZOLQH
$IWHUKDYLQJRSHQHGWKHFRQQHFWLRQVDOOERULQJUHVSHFWLYHO\VDZLQJFKLSVKDYHWREHUHPRYHGIURPWKH
WDQN
,QVWDOODWLRQWDQN
7KH WDQN FRQVLVWV RI WZR KDOI VKHOOV WKDW DUH LGHQWLFDO LQ
FRQVWUXFWLRQ,Q RUGHU WRLQVWDOOWKHWDQNRQH RI WKHVKHOOV LVSXW
RQ OHYHO JURXQG ZLWK WKH FORVHG VLGH SRLQWLQJ GRZQZDUGV
$IWHUZDUGV WKH SURILOH JDVNHW LV SXVKHG LQWR WKH FLUFXPIHUHQWLDO
LQQHUJURRYHZLWKWKHFRUUXJDWHGVLGHDVWULQJHQW
%HIRUHDGGLQJWKHVHFRQGKDOIVKHOOWKHJDVNHWDQGWKHJURRYHRI
WKHXSSHUKDOIVKHOOKDYHWREHUXEEHGZLWKWKHVRIWVRDSVXSSOLHG
LQ D VODWKHULQJ PDQQHU :KHQ DGGLQJ WKH VHFRQG KDOI VKHOO WKH
KDOIVKHOOVILWLQRQHSRVLWLRQRQO\±REVHUYHDUURZPDUNLQJLWKDV
WREHSDLGDWWHQWLRQWRWKHJDVNHWQRWVOLSSLQJIURPWKHJURRYH,I
WKHWDQNLVWREHLQVWDOOHGXQGHUJURXQGWKH
*5$)VXSSRUWWXEH
2UGHU1R KDV WR EH SODFHG LQ WKH FHQWUH RI WKH ORZHU
VKHOOEHIRUHDGGLQJWKHVHFRQGKDOIVKHOO
,QRUGHUWRFRQQHFWWKHVKHOOVWKHTXLFNFRQQHFWRUVDUHDWWDFKHG
LQDQDOWHUQDWLQJPDQQHUWRWKHOHIWDQGWRWKHULJKW)RUWKLVHYHU\
VHFRQG FRQQHFWRU LV SUHDGMXVWHG PDQXDOO\ LQ WKH ILUVW VWHS DQG
DIWHUZDUGV DWWDFKHG XVLQJ D KDPPHU DQG D ZRRGHQ VXSSRUW ,Q
RUGHU WR IDFLOLWDWH WKH LQVWDOODWLRQ WKH FRQQHFWRUV VKRXOG EH
JUHDVHGRQWKHLQQHUHGJHV7KHFRQQHFWRUVHQJDJHLQWKHLUILQDO
SRVLWLRQ
$IWHUZDUGVDOOUHPDLQLQJFRQQHFWRUVDUHDWWDFKHGDVGHVFULEHG
8SSHUPDUNLQJ
/RZHUPDUNLQJ
8SSHUWDQNKDOIVKHOO
/RZHUWDQNKDOIVKHOO
,QWHUQDOWDQNVLGH
